Welcome to PFS Advantage ("we," "us," "our"). We are committed to protecting your privacy and ensuring that your personal information is handled safely and responsibly. This privacy policy outlines how we collect, use, disclose, and protect your information.

When you engage with our services, we may collect the following types of personal information:

• Identification Information: Name, address, phone number, email address, date of birth, Social Security number, and driver's license number.
• Financial Information: Bank account details, credit card information, debt information, income details, and credit reports.
• Communication Information: Records of your communications with us, including emails, phone calls, and messages.
• Transaction Information: Details of your interactions with us, such as service agreements, payment history, and negotiation outcomes.

Non-Personal Information

We may also collect non-personal information that does not identify you directly, such as:

• Device Information: Information about the device you use to access our website, including IP address, browser type, and operating system.
• Usage Information: Information about how you use our website, such as the pages you visit and the time you spend on each page.

We use your personal information for the following purposes:

• Service Provision: To provide debt settlement and negotiation services, including assessing your financial situation and negotiating with creditors.
• Customer Support: To respond to your inquiries and provide customer support.
• Communication: To send you important updates, notices, and other communications related to our services.
• Legal Compliance: To comply with legal obligations and respond to lawful requests from government authorities.
• Improvement of Services: To analyze and improve our services, website, and customer experience.

We may share your information with the following third parties:

• Service Providers: We may share your information with third-party service providers who assist us in providing our services, such as payment processors and credit bureaus.
• Legal Authorities: We may disclose your information to legal authorities if required by law or to protect our rights and interests.
• Business Partners: We may share your information with business partners with whom we collaborate to provide services.

You have the following rights regarding your personal information:

• Access and Correction: You have the right to access and correct your personal information.
• Data Portability: You have the right to request a copy of your personal information in a portable format.
• Deletion: You have the right to request the deletion of your personal information, subject to certain exceptions.
• Opt-Out: You have the right to opt out of receiving marketing communications from us.

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration, and destruction.

We may update this privacy policy from time to time. We will notify you of any changes by posting the updated policy on our website. Your continued use of our services constitutes your acceptance of the updated policy.

By using our services, you agree to be bound by these terms of service. If you do not agree to these terms, please do not use our services.

Services Provided

PFS Advantage provides debt settlement and negotiation services for individuals with charged-off debt and payday loans. Our services include:

• Debt Assessment: Evaluating your financial situation and outstanding debts.
• Negotiation: Negotiating with creditors to reduce the amount of debt owed.
• Settlement: Arranging payment plans and settlements with creditors.

Limitation of Liability

PFS Advantage is not liable for any damages arising from your use of our services. Our liability is limited to the amount you have paid us for the services in question.

Disclaimer

PFS Advantage does not guarantee specific outcomes or results. All negotiations and settlements are subject to the approval of creditors and other third parties.

PFS Advantage complies with all applicable laws and regulations, including but not limited to the Fair Debt Collection Practices Act (FDCPA) and the Gramm-Leach-Bliley Act (GLBA).

Any disputes arising out of or related to your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

These terms of service and any disputes arising out of or related to them shall be governed by the laws of the State of [Your State], without regard to its conflict of laws principles.